Employees enrolled in limited-benefit medical plans may be blocked from participating in the federal high-risk pool created by the PPACA.
An employee enrolled in a limited-benefit medical plan that has been granted a "waiver" may not be eligible to participate in the Pre-existing Condition Insurance Program (PCIP), commonly called the federal high-risk pool, if they develop a serious medical condition.
Waivered limited medical plans are generally considered group health plans and are therefore creditable coverage. An employee who develops a serious medical condition will be blocked from participating in the high-risk pool if they've been enrolled in a plan providing creditable coverage in the last six months.
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